Understand the following health insurance claim system to facilitate insurance claims
Understand the following health insurance claim system to facilitate insurance claims
There are common assumptions that many people believe though not necessarily true that are linked to the insurance program. It is said that health insurance claims are ribet and complicated. While the turn of premium late pay, they react quickly. Is that true?
Before assuming that far, do you know how the actual payment system claims insurance? The understanding of this becomes one of the answers to the general perception above. When choosing a health insurance product, the first thing to be sure is the claim payment system of the selected insurance.
In general, there are three insurance claim payment systems that can be done, namely:
Health insurance claim with reimbursement system.
Claim health insurance with a cashless system (swipe cards).
Health insurance claim with compensation system.
Each of the above insurance claims systems have advantages and disadvantages. Make sure you ask in advance so as not to be disappointed later. In addition to the claims system to be understood, also ask the insurance on the network of hospitals or clinics that can be used.
Do not let you experience difficulties when taking medication precisely when participating insurance program due to lack of hospital network or a partner clinic. The following will be described by applicable health insurance claim systems.
READ ALSO: Advantages of having personal accident insurance
Reimbursement system: Although rarely used, but many also benefits
Health insurance Claims
Before taking insurance, first understand the prevailing claims system
The reimbursement system requires the health insurance policyholders to bear the medical expenses of the personal money first and then the fee is billed to the health insurance company by attaching a payment receipt received from Hospital.
This makes the reimbursement system less demanded for insurance customers. Now the system is also rarely used. Because the reimbursement system provides difficulties for its customers because it must provide funds as a cash advance. If you don't have the funds, often the customer's reimbursement system is not served and of course it will be fatal later on.
Cashless system: Show card then service immediately provided
Cashless Insurance Claims
Claims with a more efficient Cashless system
This claims system is most widely used today. When the insurance client is sick, he will show the card of the participants of the insurance (usually shaped like ATM card) to the hospital provider to pay the hospital fee according to the stipulated ceiling. Many conveniences are provided. One of them without the need to prepare the funds first when sick, you can directly take medication.
The process of claim is when you show the card of an insurance member to the hospital. All medical treatment in the hospital or clinic are dependent on the insurance company that will be billed by the hospital. Management of bills is done by the hospital to the insurance company concerned.
The ease and disadvantages of Cashless systems
The cashless system provides easy claim processing without the need for a down payment. It is suitable for those of you who are wandering or working away from family or who are not ready with emergency/reserve funds. However, the drawback is that not all hospitals work with the insurance that you follow. This is quite a hassle where you stay in a remote location from the hospital insurance provider.
Things to consider before joining the insurance program with this cashless system is to find out and choose an insurance company that works with many hospitals. More importantly looking for a hospital provider that is close to home or workplace. Do not be in the emergency, it will make you increasingly miserable because it is far from the hospital provider when going to treatment.
Because it gives ease on the side of the claim process without the need for advances, usually the health insurance premium with a cashless system is slightly more expensive than the reimbursement system.
The next health insurance claim system is a compensation model. No matter you are in which hospital, what pain, and cost out how much if using this compensation system, the insurance company will provide daily compensation during your hospitalized. The amount of compensation has usually been agreed in the policy between you and the insurance company.
The claim process for compensation requires a number of documents that you must attach, such as an insurance claim form, treatment receipts, illness diagnosis, and a number of other documents.
There are common assumptions that many people believe though not necessarily true that are linked to the insurance program. It is said that health insurance claims are ribet and complicated. While the turn of premium late pay, they react quickly. Is that true?
Before assuming that far, do you know how the actual payment system claims insurance? The understanding of this becomes one of the answers to the general perception above. When choosing a health insurance product, the first thing to be sure is the claim payment system of the selected insurance.
In general, there are three insurance claim payment systems that can be done, namely:
Health insurance claim with reimbursement system.
Claim health insurance with a cashless system (swipe cards).
Health insurance claim with compensation system.
Each of the above insurance claims systems have advantages and disadvantages. Make sure you ask in advance so as not to be disappointed later. In addition to the claims system to be understood, also ask the insurance on the network of hospitals or clinics that can be used.
Do not let you experience difficulties when taking medication precisely when participating insurance program due to lack of hospital network or a partner clinic. The following will be described by applicable health insurance claim systems.
READ ALSO: Advantages of having personal accident insurance
Reimbursement system: Although rarely used, but many also benefits
Health insurance Claims
Before taking insurance, first understand the prevailing claims system
The reimbursement system requires the health insurance policyholders to bear the medical expenses of the personal money first and then the fee is billed to the health insurance company by attaching a payment receipt received from Hospital.
This makes the reimbursement system less demanded for insurance customers. Now the system is also rarely used. Because the reimbursement system provides difficulties for its customers because it must provide funds as a cash advance. If you don't have the funds, often the customer's reimbursement system is not served and of course it will be fatal later on.
Cashless system: Show card then service immediately provided
Cashless Insurance Claims
Claims with a more efficient Cashless system
This claims system is most widely used today. When the insurance client is sick, he will show the card of the participants of the insurance (usually shaped like ATM card) to the hospital provider to pay the hospital fee according to the stipulated ceiling. Many conveniences are provided. One of them without the need to prepare the funds first when sick, you can directly take medication.
The process of claim is when you show the card of an insurance member to the hospital. All medical treatment in the hospital or clinic are dependent on the insurance company that will be billed by the hospital. Management of bills is done by the hospital to the insurance company concerned.
The ease and disadvantages of Cashless systems
The cashless system provides easy claim processing without the need for a down payment. It is suitable for those of you who are wandering or working away from family or who are not ready with emergency/reserve funds. However, the drawback is that not all hospitals work with the insurance that you follow. This is quite a hassle where you stay in a remote location from the hospital insurance provider.
Things to consider before joining the insurance program with this cashless system is to find out and choose an insurance company that works with many hospitals. More importantly looking for a hospital provider that is close to home or workplace. Do not be in the emergency, it will make you increasingly miserable because it is far from the hospital provider when going to treatment.
Because it gives ease on the side of the claim process without the need for advances, usually the health insurance premium with a cashless system is slightly more expensive than the reimbursement system.
The next health insurance claim system is a compensation model. No matter you are in which hospital, what pain, and cost out how much if using this compensation system, the insurance company will provide daily compensation during your hospitalized. The amount of compensation has usually been agreed in the policy between you and the insurance company.
The claim process for compensation requires a number of documents that you must attach, such as an insurance claim form, treatment receipts, illness diagnosis, and a number of other documents.
